There are more cars and drivers on the road every year. With so many vehicles on the road, crashes can happen. Automobile insurance can be the difference between a minor inconvenience and a major trial. So how do you know which type of insurance you need and how much you should buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont